Every year, the purchasing power of your savings decreases. What costs $1 now could cost $1.50 when you retire – or more. So how do you keep up? Your advisor can help you plan ways to save more, to help your savings grow, and to protect your savings from loss.

Health care costs in retirement.

Even when inflation remains relatively flat, the skyrocketing costs of health care alone can put your retirement in jeopardy. Make sure you consider what Medicare won’t cover, as well as in-home or long-term care. You can’t control health care costs, but you can plan for them.

Retirement is risky.

With so many factors working against you, it may seem impossible to ever plan a successful retirement. That’s why you and your advisor may want to explore annuity options, including annuities that offer market risk control accounts. You can take control of your risk. And make a successful retirement not only possible – but even easy.

Not a deposit - Not guaranteed by any depository institution - May lose value - Not FDIC/NCUA insured - Not insured by any federal government agency

This material is informational only and is not investment advice. If you need advice regarding your financial goals and investment needs, contact a financial advisor. All guarantees are backed by the claims-paying ability of the issuer. Past performance is no guarantee of future results. All hypothetical examples are for illustrative purposes only and do not guarantee or predict actual performance.

There are distinct differences between annuities and Certificates of Deposit, or CDs. Most CDs are considered a short-term investment. An annuity is considered a long-term investment. The investment in a CD is insured by the federal government, either through FDIC or NCUA. The investment in an annuity is guaranteed by an insurance company. Like CDs, fixed annuities have a penalty for early surrender, and withdrawals taken before the age of 59½ from an annuity may be subject to a 10% federal tax penalty.

Withdrawals of taxable amounts are subject to ordinary income tax, and if taken before age 59½ may be subject to a 10% federal tax penalty. If you are considering purchasing an annuity as an IRA or other tax-qualified plan, you should consider benefits other than tax deferral since those plans already provide tax-deferred status. MEMBERS Life Insurance Company (MEMBERS Life) and CMFG Life Insurance Company do not provide tax or legal advice. Contact a licensed professional.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuities are issued by CMFG Life and MEMBERS Life and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA, 50677. CMFG Life and MEMBERS Life are stock insurance companies. MEMBERS® is a registered trademark of CMFG Life. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state, and may not be available in all states or through all broker/dealers.